Union JCB Health Credit Card
Union Bank of India · Open to apply
A RuPay Platinum-JCB card built around health and home services (teleconsultations, diagnostics, car and appliance help; the bank puts the yearly benefit at ₹31,750) with 2 reward points per ₹100, 8 domestic and 2 international lounge visits a year, for a ₹499 joining fee and ₹499 a year.
- Annual fee
- ₹499 + GST a year
- Joining fee
- ₹499 + GST
- Fee waiver
- Annual fee waived on ₹50,000 spend per card year
- Base rate
- 2 reward points per ₹100 spent: 2 Union Rewardz points per ₹100 (about 0.5% at cash value)
- Lounges
- Domestic: 2 visits a calendar quarter; International: 2 visits a calendar year
- Forex markup
- 3%
- Data
- From bank documents, checked 6 Nov 2026
Where the sources disagree
- minimum income: The card portal's eligibility page gives an income of ₹4.8 lakh a year; the banner on the same portal page says "Min. Income: ₹ 2.50 Lakhs per annum". The eligibility page is used.
Terms the calculator does not value
- The health and home services are entered as a benefit, not valued. The page gives no condition on spend, and they are delivered through a third-party portal.
- The milestone continues in steps of ₹50,000 beyond ₹4 lakh; it is entered to ₹4 lakh only. Union Bank publishes no list of excluded categories for points, and no point expiry. The cash withdrawal limit is 30% of the card limit.
Sources
- Union Bank of India, Union JCB Health Credit Card (Product page, the bank's own, read 6 Nov 2026)
- Union Bank of India credit card portal, Union JCB Health card (about, benefits, fees, eligibility) (Product page, the bank's own, read 6 Nov 2026)
- Union Bank of India, MITC – Credit Cards, version 1.4 (effective 25 Sep 2025) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Union Bank of India, Key Fact Statement – Credit Cards, version 1.4 (Schedule of charges, the bank's own, read 6 Nov 2026)